Financial & Retirement Planning
The tax return is one year. The plan is your life.
Because we already know your tax picture, we can plan around it: when to use RRSP versus TFSA, how to draw retirement income without losing benefits, and how to pass on what you've built.
What we plan together
- RRSP and TFSA contributions — the right mix for your bracket
- Retirement income: CPP, OAS, pensions, and withdrawals in the right order
- Education savings (RESP) and first-home planning (FHSA)
- Estate planning — preserving what you pass on
- Life-event planning: new home, new business, new family member
Who does the work
The same team, every year
Ari leads every engagement personally. Clients describe him the same way in review after review: knowledgeable, patient, respectful — an accountant who takes the time to explain your return, not just file it. He serves personal and corporate clients in English, Tamil and Sinhala.
Meet the teamThe kind of thing we find
Three situations we see every week
“When I was facing a complex tax issue, he worked diligently to find a solution that minimized my tax liability. Also provided ongoing financial advice that helped me make informed decisions.”
Illustrative examples of common situations — not client records. Your numbers will be your own; bring them to a free consultation and we'll tell you honestly what we see.
Is this only for wealthy clients?
No. The biggest planning wins — RRSP timing, benefit thresholds, splitting income with a spouse — matter most for ordinary working families. A one-hour conversation often pays for itself at the next tax return.
Do you sell investments or insurance?
Our role is accounting and tax-side planning. Where you need investment or insurance products, we work alongside your advisor — our advice stays independent of any product sale.